Home Insurance in Gladstone, Oregon
The median home value in Gladstone is $480,700, 21% lower than the Clackamas County median.
The typical home in Gladstone was built around 1976. About 22% of homes were built before 1960, about 6 points above Clackamas County's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gladstone is 68% single-family homes, 17% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 74% of owner-occupied homes in Gladstone have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gladstone has an owner-occupancy rate of 65% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
52% of homes in Gladstone are primarily heated with natural gas.
What's the biggest home insurance risk near Gladstone? FEMA's National Risk Index points to earthquake (Relatively High) in Clackamas County and Clackamas County had 1,448 active NFIP flood policies as of September 2026. See the full Clackamas County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oregon carries a statewide average premium of $1,003 per year.
Key figures
| Median home value | $480,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Clackamas County | 1,448 |
| Home insurance premium | $1,003 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)